Allowing yourself to become IMC in that environment is the last thing you want to do at the altitudes associated with an approach to the water. You're more safe down in VMC, where you can see where you're going, if the ceiling gets low, and you could become trapped, landing on the water and waiting will be more safe that entering cloud, surrounded by mountains, with no safe way to navigate among them. When the MEA is many thousands of feet above where you must operate, entering IMC is downright dangerous!
Wot he said!
ASES